Adjusted EPS $1.11 topped consensus $1.01, revenue $30.3bn beat $29.92bn, up 7% YoY.
Net income rose 17% YoY to $8.6bn, driven by 9% rise in net interest income to $15.7bn.
Deposit balances grew 3% to $2.02tr, loans up 9% to $1.19tr; provision for credit losses fell to $1.3bn.
Shareholder return $9.3bn via $2bn dividends and $7.2bn share repurchases; efficiency ratio improved to 61% (down 170bps).